"SO FAR, SO GOOD...."
TrueEarnings® Card from Costco and American Express Review
Written by: gizmocruz on 2008-01-19
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
gizmocruz's review: 
I already had Delta Skymiles, so I decided to apply for the Costco True Earnings. The application process is a little different, as Costco has to verify your membership, but still very quick. Got a call from Amex three days after I applied, quick approval over the phone and a very nice credit line. Had the card seven days later.
I already had Delta Skymiles, so I decided to apply for the Costco True Earnings. The application process is a little different, as Costco has to verify your membership, but still very quick. Got a call from Amex three days after I applied, quick approval over the phone and a very nice credit line. Had the card seven days later.
8 Comments
Comment 1 by meya
Congrats 
on 2008-01-19
Woe, just look at that bad boy shine. Whew, I cant wait until I get one. I love the color and the second face on the card. It is staring at me saying, "You're next Meya"
on 2008-01-19 Woe, just look at that bad boy shine. Whew, I cant wait until I get one. I love the color and the second face on the card. It is staring at me saying, "You're next Meya"
Comment 2 by desihunk17
Heyyy Need Help on 2008-01-23
I was just wondering how is your credit... And what is your credit scores... I applied for American Express... And they denied me... My scores are over 700...
on 2008-01-23 I was just wondering how is your credit... And what is your credit scores... I applied for American Express... And they denied me... My scores are over 700...
Comment 3 by meya
Scores on 2008-01-23
Mines are in the nice mid 600's but I do have a baddie on there from my sons medical and one co left. They will all be gone this year so I can wait... Lol. Take a look at my profile and you will see my scores from FICO and FAKO up-to-date.
on 2008-01-23 Mines are in the nice mid 600's but I do have a baddie on there from my sons medical and one co left. They will all be gone this year so I can wait... Lol. Take a look at my profile and you will see my scores from FICO and FAKO up-to-date.
Comment 4 by gizmocruz
My FICO on 2008-01-27
My Experian was 674 at the time I applied, with a super-old paid state tax lien and one six year old CO. Income is $128K. When I got my Delta Skymiles, my FICO was 634 (was approved for $2k, raised to 4.5K at activation). I do spend about $6-8K per year at Costco, which probably was helpful.
on 2008-01-27 My Experian was 674 at the time I applied, with a super-old paid state tax lien and one six year old CO. Income is $128K. When I got my Delta Skymiles, my FICO was 634 (was approved for $2k, raised to 4.5K at activation). I do spend about $6-8K per year at Costco, which probably was helpful.
Comment 5 by solarjuju
Approved On Fair Credit on 2008-04-02
My TU score is 682 which is fair. I applied and thought I would get declined. I checked the application status and required that I call to verify my address.
I was approved with a CL of 2500 after the call.
I had a repo 4 years ago and after completion of a debt management program a yr and half ago my score was around 580 (EQ).
Got a car loan 2 months later and have never been late on payment since. I think that was a factor that got me approved for the Costco Amex.
on 2008-04-02 My TU score is 682 which is fair. I applied and thought I would get declined. I checked the application status and required that I call to verify my address. I was approved with a CL of 2500 after the call.
I had a repo 4 years ago and after completion of a debt management program a yr and half ago my score was around 580 (EQ).
Got a car loan 2 months later and have never been late on payment since. I think that was a factor that got me approved for the Costco Amex.
Comment 6 by meya
Congrats on 2008-04-02
We have a fair credit in the house with an approval for AMEX. Way to go! Keep us posted on the overall experience with the AMEX's... Lol
on 2008-04-02 We have a fair credit in the house with an approval for AMEX. Way to go! Keep us posted on the overall experience with the AMEX's... Lol
Comment 7 by lyyssa01
My Heart's Changed... on 2008-04-02
A week ago I was wanting an Amex real bad. And in that week I must have read about 6 posts from different people about the nightmare Amex is putting them through. CLD up the yinyang, and none for a justifiable reason. And although I do really love the look and ambiance of an AMERICAN EXPRESS card, at this point I'll just be happy when I get my USAA. :)
on 2008-04-02 A week ago I was wanting an Amex real bad. And in that week I must have read about 6 posts from different people about the nightmare Amex is putting them through. CLD up the yinyang, and none for a justifiable reason. And although I do really love the look and ambiance of an AMERICAN EXPRESS card, at this point I'll just be happy when I get my USAA. :)
Comment 8 by joeyman
Costco American Express on 2009-04-29
I'm in school and working at Target. This is the most common credit card I see now!!! So after having brief discussions with guest's, I went ahead and applied. I was denied w/ a 702 score and about 7 months of credit history. I am optimistic about this card.
on 2009-04-29 I'm in school and working at Target. This is the most common credit card I see now!!! So after having brief discussions with guest's, I went ahead and applied. I was denied w/ a 702 score and about 7 months of credit history. I am optimistic about this card.
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Disclaimer: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. Review content is powered by Finance Globe.
